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Hello friends, welcome to our another postman in which we are going to talk about ICICI Bank, how you can take a personal loan through this bank and the personal loan that will be given to you by IDFC Bank is about
25,00,000, then you are requested to read this post of ours till the end so that if you want to take a personal loan from IDFC Bank, you can get the minor information about how you can take a loan from here. Can.
Apart from the customers who are reducing their salary, ICICI Bank gives personal loans to both self-employed at an interest-only. We will tell you how to reduce the salary and self-employed can take a loan from ICICI Bank. We will also inform you in detail about what other documents you will need. We will tell you all that is how you will get this personal loan.
Why take a personal loan from ICICI Bank?
1. Friends, if you take a loan from ICICI Bank, this company can give you a personal loan of up to Rs 25 lakh without any testimony. Yes, friends, if you take a loan from anywhere, you have to bring any testimony, i.e., in that account, but in ICICI Bank, you do not need any such testimony.
2. Second friends, you would get 12 months to 72 months to repay the loan. Seventy-two months means you will get up to 6 years from here.
Who can take a loan from ICICI Bank?
By the way, this loan is available for both salaried and self-employed. So let’s talk first of all for the salaried people-
- If you are a salaried person, your age should be at least 23 years to 58 years.
- For those who want to take a loan, their monthly salary should be 30,000.
- Where you work, you should have been working for the last two years.
- Apart from this, the place where you live should be permanent for the last year.
- Apart from this, whose name you want to take this loan, its cibil score should be good. Only then will you be able to get the loan from here.
Friends, before giving a bank loan here, it also checks whether you have already taken any loan, if you have taken a loan, since when have you taken it and how much loan has been paid, all these bank checks.
Along with this, the bank also checks that if you take a loan now, will you be able to repay it on time or not.
So, friends, this is the eligibility process in which people work on salary.
Eligibility of those people who are self-employed and want to get an instant loan from ICICI Bank–
- If you are self-employed, then your age should be at least 25 to 65 years.
- Also here your annual turnover should be 15 lakhs only then you will be able to get a personal loan
- The bank also checks your profit which should be more than two lakh rupees.
- Here, your business stability will also be checked, which should be five years.
- Also, your account should be one year old.
First of all, know from which documents will the salaried people have to give–
- Two passport size photographs
- Aadhar Card, Driving License, Voter Card etc. as ID Proof
- You can give your Aadhar card and PAN card for address proof.
- Also, friends, you also have to give the bank statement of the last three months here.
- Also you have to give a salary slip for the last three months.
Now let’s talk about self-employed, what documents will they have to give-
- Aadhar Card, Driving License, Voter Card etc. as ID Proof
- You can give your Aadhar card and PAN card for address proof.
- You will have to give income returns for the last two years.
- Also, friends, you also have to give the bank statement of the last three months here.
- Also you have to give your office address
- Also, you have to tell how many years you have been doing less.
How much will be the interest and time?
Friends, you will get at least 10.50% interest per month on the amount you take a loan through this application. The amount of this interest depends on the amount of loan you take. Apart from this, the tenure rate of the amount you will take on a loan will be from 12 months to 72 months. This means that you will get 12 months to 72 months to return the amount you take on the loan. In other words, you will get one to five years to return this amount.
Also Read: How To Take Loan From IDBI Bank Online
